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The Default Notice is a legal notice that informs you of the debt you've incurred due to a breach of your repayment terms from the first time you fail to repay the loan. This means you have missed a repayment on your loan, breaching the loan terms you agreed to.

Once you've received this letter, it's important to make the outstanding repayment, or repayments, as soon as possible.

Otherwise, 30 calendar days from the date of the Default Notice letter, the loan will become immediately demandable (due in full) and you'll be registered on a national file centralised by the French Central Bank, which may harm your future credit applications with other institutions.